Guides & Articles on Insurance
Actuarial Science Education and Training
Work towards a steady career with actuarial science training
It's certainly wise to get actuarial science education and training. The insurance industry is booming and they need to hire people with an actuarial education. If you like mathematics, probability and statistics, then you will probably enjoy actuarial science courses. Most businesses prefer to hire people that have a 4-year college degree. It doesn't matter whether you...
Advice and Ratings on Virginia Life Insurance
Selecting a Virginia life insurance company for group life insurance
Looking for a life insurance company that will offer services to your employees? When selecting a company, you need to look not only at rates and coverage but also at the individual company's rating. The rating gives a clear indication of the financial viability of the company, letting you know whether the company can stand behind the policies it writes.Independent...
Agricultural Insurance
Decide on an agricultural insurance policy to fit your operation
Your farm is probably the single biggest asset you have and provides your livelihood and security for your family. Farm insurance can repair or replace your farm buildings, equipment, livestock and crops in the event of a disaster. Agricultural business insurance can also protect you and your family in the event of a liability lawsuit due to a consumer safety issue, a farm visitor...
Alabama Property Insurance
Find the best Alabama property insurance to suit your business
Property insurance in Alabama is vital for small business owners' loss protection and peace of mind. When you own a business in AL, you’ll need Alabama property insurance, whereas if you own and lease commercial property, you may only need real estate insurance.You may need several different types of additional insurance to fully protect yourself and your business. Weigh...
Alternative Health Insurance
Offering alternative health care insurance options to your customers
More and more Americans are looking for ways to improve their health and increase longevity. Many are turning to Alternative medicine health care insurance, or non traditional healthcare for total health care for total wellness that treats the mind, body and spirit. Although most insurance providers cover traditional medical care, but more and more insurers are...
Arkansas Health Insurance
Choose a great Arkansas health insurance company to keep employees healthy
Arkansas health insurance is a top priority for many business owners and rightfully so. Employees who have Arkansas medical coverage are less likely to be sick, which reduces absenteeism and increases productivity.There are many Arkansas health insurance companies to choose from, but you need to find the Arkansas health insurance provider that is right for you and your company....
Auto Insurance Leads
Automobile insurance leads give you the sales advantage
Automobile insurance leads are an affordable source to develop more business for your company. You know how it is... you're an insurance agent, either independent or with a nationally recognized company, and you're trying to hit your goals. The problem is that you have dried up your list of potential new customers. So where do you turn?Car insurance leads are an investment...
Auto Insurance in Colorado
Strategies to help you cut costs on car insurance in Colorado
Car insurance in Colorado, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Colorado car insurance coverage isn't just something that drivers in the "Centennial State" should have; it's something they must have.Colorado auto...
Auto Insurance in Connecticut
Strategies to help you cut costs on car insurance in Connecticut
Car insurance in Connecticut, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Connecticut car insurance coverage isn't just something that drivers in the "Constitution State" should have; it's something they must...
Auto Insurance in Florida
Strategies to help you cut costs on car insurance in Florida
Car insurance in Florida, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Florida car insurance coverage isn't just something that drivers in the "Sunshine State" should have; it's something they must have.Florida auto...
Auto Insurance in Hawaii
Strategies to help you cut costs on car insurance in Hawaii
Car insurance in Hawaii, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Hawaii car insurance coverage isn't just something that drivers in the "Aloha State" should have; it's something they must have.Hawaii auto insurance...
Auto Insurance in Illinois
Strategies to help you cut costs on car insurance in Illinois
Car insurance in Illinois, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents, after all; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Illinois car insurance coverage isn't just something that drivers in the "Prairie State" should have; it's something they must...
Auto Insurance in Indiana
Strategies to help you cut costs on car insurance in Indiana
Car insurance in Indiana, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Indiana car insurance coverage isn't just something that drivers in the "Hoosier State" should have; it's something they must have.Indiana auto...
Auto Insurance in Massachusetts
Strategies to help you cut costs on Massachusetts car insurance
Auto insurance in Massachusetts, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Massachusetts auto insurance isn't just something that drivers in the "Bay State" should have; it's something they must have.Massachusetts auto...
Auto Insurance in Michigan
Strategies to help you cut costs on car insurance in Michigan
Car insurance in Michigan, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Michigan car insurance coverage isn't just something that drivers in the "Wolverine State" should have; it's something they must have.Michigan auto...
Auto Insurance in Montana
How to purchase the right Montana car insurance for your business and employees
Having enough auto insurance is something every consumer and business should consider. If you own a business in the state of Montana, you need to know all about auto insurance providers in Montana and the minimum auto insurance in Montana.If your employees use automobiles for business purposes, make sure to let the insurance company know. Your premiums might be higher, but if an...
Auto Insurance in New Jersey
Strategies to help you cut costs on car insurance in New Jersey
Car insurance in New Jersey, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, New Jersey car insurance isn't just something that drivers in the "Garden State" should have; it's something they must have.New Jersey auto...
Auto Insurance in New York
Strategies to help you find the best New York car insurance rate
Car insurance in New York, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, New York car insurance coverage isn't just something that drivers in the "Empire State" should have; it's something they must have.New York auto...
Auto Insurance in North Carolina
Get the best deals on auto insurance in NC
Whether you're considering setting up business in North Carolina, or you've been a lifelong resident of the state, you know you need to have auto insurance. After all, it is the law. But don't you hate to find out that you're overpaying? You sure could use that money more lucratively somewhere else in your business. Evaluating your options for auto insurance in...
Auto Insurance in Ohio
Strategies to help you cut costs on car insurance in Ohio
Car insurance in Ohio, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Ohio car insurance coverage isn't just something that drivers in the "Buckeye State" should have; it's something they must have.Ohio auto insurance...
Auto Insurance in Pennsylvania
Strategies to help you cut costs on car insurance in Pennsylvania
Car insurance in Pennsylvania, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Pennsylvania car insurance coverage isn't just something that drivers in the "Keystone State" should have; it's something they must...
Auto Insurance in South Carolina
Strategies to help you cut costs on SC car insurance
Car insurance in South Carolina, like gas or rent, is expensive yet necessary. It protects your car from dents, and it protects you and other drivers from both bodily harm and financial ruin. For that reason, South Carolina car insurance isn't just something that drivers in the "Palmetto State" should have; it's something they must have.Auto insurance in South...
Auto Insurance in Virginia
Strategies to help you cut costs on car insurance in Virginia
Car insurance in Virginia, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Virginia car insurance coverage isn't just something that drivers in the "Old Dominion State" should have; it's something they must have.Virginia auto...
Auto Insurance in Wisconsin
Strategies to help you cut costs on car insurance in Wisconsin
Car insurance in Wisconsin, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Wisconsin car insurance coverage isn't just something that drivers in the "Badger State" should have; it's something they must have.Wisconsin auto...
Automobile Warranty
Purchasing the right extended auto warranty cure for repair headaches
When purchasing a new or used car, more than likely you will be offered an extended automobile warranty that will pay for repairs to the car after the manufacturer's auto warranty runs out. Purchasing the extended automobile warranty at that time can save you from scrambling to find an extended automobile service plan when the auto service contract runs out.Unfortunately,...
Aviation Insurance Claims Adjusters
Find the best aviation insurance claims adjusters and services for your business
If you already have aviation insurance, why would you want to think about hiring aviation insurance claims adjusters? It's true that insurance companies have their own claims adjusters, but if something goes wrong and your plane is damaged, you may find the provided adjuster slow...or just plain wrong. In such instances, it makes sense to hire your own aircraft insurance...
Aviation Insurance
Determine coverage need for your aviation insurance policy
If you’re involved in the airline and aviation industry, then you’re going to have to look into an aviation insurance policy. Aviation insurance companies can offer many different types of policies, including aircraft, airplane, helicopter, pilot, FBO and airline insurance plans.An aviation insurance agency can provide coverage for airlines, aircraft owners, pilots,...
Blue Cross and Blue Shield
Help meet your employees' medical needs with Blue Cross health insurance
It's never easy to try to choose a health insurance plan for your employees. No matter what you pick, someone's going to hate it for some obscure reason. Your best bet is to choose a national company that your employees can use if they travel and who has a large variety of approved medical providers in your area. A company that fits that bill perfectly is Blue Cross and...
Boat Insurance
How to get comprehensive, low-cost boat insurance coverage for your vessel, big or small
Boat insurance coverage is a necessary evil. But, there are ways for you to control the cost. You need to shop around until you find a boat insurance company that offers the best coverage for your vessel at the best price.Even though you have to deal with the monthly payment and premium, you can do your part to reduce losses and thus get lower premiums. You'll learn how...
Builders Insurance
Prevent damage losses for your company with builders risk insurance
If you’re in the construction industry, then you’re going to rely on builders liability insurance to protect your company’s assets. With builders insurance, you’re going to reduce your financial losses if an accident occurs during development.A builders risk insurance policy will likely cover all materials, machinery, supplies and fixtures used during a...
Business Liability Insurance
How to protect your business from devastating liability costs
You've worked long, hard hours to build your business into a profitable enterprise. Now you need to protect it with general liability insurance that will cover such instances as the following: a customer trips on the carpet in your shop; a client injures herself using your product; an employee breaks a 17th century antique while on the job; or a coffeemaker left on overnight...
Business Owners Policy (BOP)
Purchase affordable BOP policies for peace of mind
A business owners policy (BOP) is a form of insurance designed specifically for small businesses. Business owners can purchase policies either as a single policy that combines multiple coverages or as a series of separate policies. Most companies prefer to buy package policies.Business owners insurance, BOP, typically covers your business property against named perils like wind...
Business Truck Insurance
A little planning can help you find a good commercial trucking insurance policy that fits your truck insurance needs.
Whether your drivers are driving locally or long distance, business truck insurance is a must. A commercial trucking insurance policy is designed to help protect against loss due to any number of hazards, including physical damage to the truck and other vehicles, liability to trailers both owned and non-owned, damage to cargo, warehouse and terminal coverage and more. A good truck...
COBRA Requirements for Small Business
How to avoid being bitten by this health benefits law
The Consolidated Omnibus Reconciliation Act of 1985 (COBRA) requires that companies continue to provide health benefits to former employees for up to 18 months. COBRA is a federal law that applies to companies with more than 20 employees and some states also have "mini COBRA' laws that apply to smaller companies. COBRA covers employees regardless of whether they quit or...
California Life Insurance
Being savvy about life insurance in California protects your company, employees and family
Offering group life insurance to your employees is good business. California life insurance plans can guarantee them a fixed amount of coverage or an amount related to their salary. Oftentimes, California life insurance agencies link employees together by their job when evaluating the associated risks of a group policy rather than considering the traditional factors, such as...
California Property Insurance
Make informed decisions about California house and commercial property insurance
One’s home and business are the largest investments a consumer can make. Given California’s property values and propensity for natural disasters, making sure your property is properly insured is not only responsible, but imperative. California commercial property insurance is divided into “property insurance,” which covers property stolen, damaged or...
Car Insurance Quotes
Strategies to help you find affordable automotive insurance rates and quotes
Car insurance quotes are definitely more science than art. To calculate them, insurance companies use complicated formulas that include your age, gender and history, as well as the year, make and model of your car. The resulting auto insurance quotes make perfect sense to insurers, but often read like Greek to insured consumers.Car insurance quotes don’t have to make perfect...
Car Insurance
Strategies to help you find affordable car insurance quotes
Car insurance, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, automobile insurance isn't just something that drivers in the United States should have; it's something they must have.Car insurance doesn’t have to break the bank....
Colorado Property Insurance
How to lower Colorado home insurance rates for your property
Property insurance in Colorado will replace both your home and belongings. It also includes liability insurance against injuries or property damage that family members or household pets cause. Home insurance in Colorado also pays temporary living expenses while you live away from home because of a natural disaster.Property insurance in Colorado provides protection against fire,...
Commercial Crime Insurance
Protect your business with the right commercial crime insurance
Your business needs commercial crime insurance. Criminal employees cost U.S. organizations more than $400 billion each year. The average business looses over $9 a day per employee and 6% of its yearly revenue to fraud committed by employees. Out of every ten crimes made against businesses, nine are committed by employees. Frequently, it's long-standing, trusted employees...
Commercial Insurance Agents Basics
Use the expertise of commercial insurance agents and brokers for your insurance needs
Figuring out the difference between insurance agents and insurance brokers is complicated. Both offer insurance to you; however, usually an insurance agent is tied to one company, whereas a broker is generally non-exclusive and can write for a variety of companies. While different in how they get quotes for you, both can fit products to the needs of your business.Commercial...
Commercial Insurance Agents and Brokers
Insure your business interests with the right commercial insurance agents and brokers
Commercial insurance agents and brokers help you find policies and rates for commercial insurance coverage. The coverage fully protects your business and financial future regarding any crisis you may face. It is very important that you trust your commercial insurance agent and fully understand what your policy covers before signing off on anything. Too little coverage won’t...
Commercial Insurance Brokers
Obtain competitive insurance quotes from commercial insurance brokers
Commercial insurance brokers can help you protect your business assets by ensuring that you are properly covered in the event of a loss. The primary difference between commercial insurance brokers and agents is that brokers can provide businesses with competitive quotes from multiple insurance companies. Commercial insurance is not one size fits all. Commercial insurance brokers...
Commercial Package Policy
Commercial package policy: a tailored approach to business insurance
Protect your business and your assets with a commercial package policy or CPP. You can tailor coverage for your business by choosing coverage such as liability, property, inland marine, equipment breakdown and crime coverage. When you put policies together into a commercial package policy, you can save money.You may have heard of a Business Operator's Policy (BOP), which...
Commercial Property Insurance
How to get the best rates on business property insurance
If you have business property, commercial property insurance coverage is a necessity. You must protect your business and the items you need to run your business, as well as protect yourself against customers and employees who may get hurt while on the premises.One sure-fire way to put your business in jeopardy is to ignore the importance of carrying insurance, or by not carrying...
Commercial Umbrella Insurance
Commercial umbrella insurance is an important investment in our increasingly litigious society
Commercial umbrella insurance coverage protects businesses from catastrophic losses to their business. They pay claims that are higher than the coverage limits on a company's general liability, commercial automotive or employer's liability coverage. Until recently, large corporations were the only ones that felt it necessary to include commercial umbrella insurance as part...
Commercial Vehicle Insurance Key Terms
Learn about commercial vehicle insurance terms
Selecting the right commercial vehicle insurance can be a complex process. Auto insurance may seem like just an expense, but when you need to file a claim, you will be happy to have it available to you. Before you select an insurance provider, it is important to know a few commercial vehicle insurance terms commonly found on quotes and policies. Terms like bodily injury liability...
Condo Insurance
Find the right condo insurance coverage for you
You condo association has condo insurance, but that usually only covers the building and the commonly owned property as well as liability insurance for the association. What is doesn't cover, though, is loss of your personal property as a result of theft, water damage or if someone is injured in your particular unit.Look into condo insurance information to protect personal...
Construction Insurance
Find all the construction insurance your business needs
As a contractor, you already know your state requires you to carry business insurance for construction companies. In most states, you'll need to have contractor liability and workman's compensation insurance. You may wish to add to that construction business insurance by having risk insurance, commercial vehicle insurance or any number of other, more specialized...
Dental Health Insurance Basics
Learn the basics before you offer dental health insurance to your employees
Dental health insurance is a contract to manage a person's dental health. Dental insurance plans can vary widely because this contract involves the employer or the employee, the dentist who is providing the care, a dental insurance provider and often an administrator who is responsible for the processing and payment of claims.As a business owner, you have to decide whether or...
Dental Health Insurance Key Terms
Sink your teeth into the vocabulary of dental health insurance
If you're considering offering your employees dental health coverage, you may want to familiarize yourself with dental health insurance key terms. Dental health insurance offers many types of plans, such as discount dental plans, indemnity plans, capitation programs and schedule-of-allowance programs. There also are other dental health insurance key terms, such as...
Dental Insurance Rates and Quotes Advice and Ratings
Using dental insurance quotes to select the best dental insurance coverage
Take advantage of dental insurance rates and quotes advice and ratings to select the best dental plan coverage for your family and employees. Dental insurance rates and coverage vary greatly so search for advice and check the ratings before signing up for any dental plan coverage. Dental plan rates often depend on patronizing a dentist on an approved list from the provider. A...
Dental Insurance Rates and Quotes Key Terms
Sound like an expert when shopping for dental insurance
Understanding dental insurance rates and quotes can be quite a task if you don't understand the key terms. The following terms will give you the knowledge you need to make an informed decision about what type of dental coverage you want for your employees or your family. You can also use these key terms to compare dental insurance brokers and ask informed questions of your...
Dental Insurance Rates and Quotes
Sifting through dental insurance quotes
Comparing hundreds of dental insurance rates and quotes can be a tedious job. To make your job a little easier, try using a few online resources that offer quotes and rates from several companies at once so you can compare them side-by-side. Start by breaking the dental insurance quotes up into groups. Dental insurance plans usually break benefits into three categories: basic...
Dental Insurance by State
Acquiring dental insurance in the United States is a crowning achievement
Providing dental insurance for your staff can cost your business thousands, but finding the right US dental coverage for your company can be an added perk to employment with your organization. Nowadays, money can be tight for businesses, but a happy, healthy workforce can make all the difference in your business’s success. Finding affordable US dental insurance for your...
Dental Insurance in Arkansas
Affordable dental insurance plans in Arkansas for families and businesses
Dental coverage in Arkansas is available through a variety of sources. Dental insurance plans in Arkansas include both preventative visits as well as restorative care.It's important to provide family dental insurance in Arkansas to keep employees' out of pocket expenses low and employee families' needs taken care of. Since dental costs are expensive, providing routine...
Dental Insurance in Illinois
Offer Illinois dental insurance to employees as an added benefit
Dental insurance in Illinois seems to be a benefit that is becoming more and more valuable to employees. While dental coverage is not as expected as medical insurance or vacation days, many employees factor in Illinois dental insurance benefits when determining the value of a place of employment.When exploring dental plans in Illinois for your employees, keep the following in...
Dental Insurance in Massachusetts Advice and Ratings
Make a sound decision on Massachusetts individual dental insurance
When you are self-employed or your employer doesn't offer dental insurance, you may find yourself wading through dental insurance plans in Massachusetts and contemplating your options. It's important not to skimp on coverage, but you also want to consider your costs, resulting in a delicate balancing game.When deciding on dental coverage in Massachusetts, take into account...
Dental Insurance in Massachusetts Key Terms
Learn about some key terms associated with dental insurance in Massachusetts
Dental insurance is a benefit offered by many Massachusetts employers. Whether it's a simple check-up plan or in depth oral coverage, understanding the parameters of the dental plan might take a bit of getting used to for an employer.Take the time to learn about some of the key terms associated with dental insurance in Massachusetts so that you can select the proper plan ...
Dental Insurance in Massachusetts Pricing and Costs
Sorting through dental coverage in Massachusetts for the best coverage and pricing
A community of excellent dentists provide services to the citizens of the state through Massachusetts dental insurance at reasonable costs. Although numerous companies provide individual dental insurance in Massachusetts, consumers should compare the costs and components of each available plan in order to get the best value for their money. Individuals should consider all their...
Dental Insurance in New Jersey
Decide to offer individual or family dental insurance in New Jersey to your employees
Many small businesses decide to offer dental insurance in New Jersey as a part of their benefits package. Employers have the option of securing their employees individual or family dental insurance in New Jersey.You can find affordable dental insurance in New Jersey without having to get a dental discount plan for your small business instead. With getting dental insurance plans in...
Dental Insurance in Oregon
How to find dental insurance in Oregon for your employees
Dental coverage in Oregon, with the exception of medical insurance, is of utmost importance to your employees. Whether they have families or not, a good dental plan can make your company look more attractive to potential employees. By providing decent individual dental insurance in Oregon, you promote your employees to take care of their teeth and maintain good dental hygiene...
Dental Insurance in Wisconsin
How to buy dental insurance coverage in Wisconsin for your employees
Dental insurance in Wisconsin is an essential benefit for your business. Offering it will help you attract and keep good employees. It's important to buy coverage that includes preventive, basic and major procedures. This would cover at least a portion of everything from X-rays to dental surgery.Dental insurance providers in Wisconsin offer several choices depending on the...
Determine if Short Term Health Insurance is Right for You
Who can use Short Term Health Insurance. How Does it Work? Is it Renewable?
Short term health insurance may not be something everyone is familiar with but it could come in handy for you, your family, or someone you know. For this reason, it’s a good idea to understand the basics of temporary health insurance.
Directors & Officers Liability Insurance
Protect your firm with directors and officers liability insurance coverage
To protect your assets in the case of a lawsuit, you may want to decide to take out directors and officers liability insurance coverage. The insurance is paid out to the directors or officers of a company to cover damages in case they are sued. However, directors and officers liability insurance will not protect against deliberately wrongful acts.Liability insurance for corporate...
Directors and Officers (D&O) Liability Insurance
Even if they do their jobs well, your top managers - and you - could get sued
Corporate counsel will tell you: The more money your firm pulls in, the more people will come out of the woodwork to claim a part of it. Shareholders, former employees, current employees, vendors and suppliers, creditors, even competitors. General business insurance won't protect against claims that hold directors personally responsible for company actions (like in the Enron...
Disability Insurance for Business Owners
Disability insurance protects your income when you can't work
Disability insurance, which provides an income if you're injured and unable to work, is a must for most small business owners. There are two main types of disability policies: Short-term disability covers a worker for up to a year. Typically, it's used for short-term illnesses, accidents, maternity leave or mental disabilities. Long-term disability covers a worker for years...
Errors and Omissions Insurance
Avoid costly litigation with E&O insurance
Expatriate Insurance
Safeguard your health and your property with expatriate insurance
If you're planning an extended stay in another country, expatriate insurance can cover your medical bills if you're injured, reimburse you for loss of personal property, and even provide assistance if you have to evacuate because of a natural disaster. Most expatriate insurance policies cover you for the length of your stay, and can be purchased every six months or...
Fire Insurance
Protecting your business with the right fire insurance
As a business owner, you probably know you need liability insurance--but many owners don't realize they may need additional fire insurance. Fires can completely destroy your business. Your building (whether you rent or own) may be devastated, your equipment made unusable, your revenue discontinued. Fires are not uncommon. In 2006, the United States saw 1.6 million fires,...
Fleet Safety Insurance
Keep fleet safety insurance costs low with a fleet risk management program
If you own a trucking company or other business that uses commercial drivers, then fleet safety insurance is an absolute must. Fleet safety insurance companies base insurance rates on several factors, including the risk your drivers pose when they get on the road. Fleet insurance premiums are a major part of the operating budget for any company that runs fleet vehicles, whether...
Florida Property Insurance Basics
How to lower Florida home insurance rates for your property
A study of Florida property insurance basics should cover liability insurance against injuries or property damage caused by family members or household pets. Property insurance also covers temporary living expenses incurred while living away from home due to a natural disaster.Florida property insurance companies provide protection against fire, hail and lightning in addition to...
Florida Property Insurance Industry Overview
Obtain a Florida property insurance carrier for your property
Provide financial protection for your home and most of your belongings in the event of a disaster by using Florida property insurance. A property insurance policy will typically include liability insurance which covers damage or injuries caused by family members and pets. Florida property insurance typically covers the contents of your house up to a specified percentage.Florida...
Florida Property Insurance
How to get Florida property insurance after the storms
The hurricanes in Florida not only rocked the residents while they were enduring them, but they have had a devastating affect on Florida property insurance prices and features. Not as much is covered, and Florida homeowners insurance costs have skyrocketed.You must insure your home in case of fire, theft and, of course, hurricanes. The options for Florida residents who want to...
General Liability Insurance Key Terms
Explore general liability insurance terms
General liability insurance is a required form of insurance for all businesses. It protects the business from lawsuits against them from accidents. There are various important terms found in these liability insurance policies including conditions, binder and subrogation. It is also important to know some of the coverage types available for general liability, including medical...
General Liability Insurance: What You Need to Know
Protect your business, family and estate with adequate general liability insurance
General Liability for Small Business
Liability insurance is one of the many kinds of coverage found in package policies
General liability is usually sold as part of a package of insurance and it’s just one of the many kinds of business essentials you’ll find in the Business Owners Policy (BOP) that most small to medium-size companies will need to purchase. BOPs give you big-business buying power by bundling and discounting the costs of many kinds of insurance that you need, such as...
Get More from Auto Insurance in California
Strategies to help you cut costs on car insurance in California
Car insurance in California, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, California car insurance coverage isn't just something that drivers in the "Golden State" should have; it's something they must have.California auto insurance coverage...
Granting Business Credit
Extending credit for goods and services can bring in more customers
When you extend credit, you are lending customers your own money. If you haven't established a good credit policy for your business, you could end up losing money. If you want to grant credit as part of your business plan, remember: Most of the time you don't really need to extend credit to consumers unless you provide a service that's billed monthly or offer...
Group Health Insurance
Providing a decent group health insurance plan retains employees
If you think your company is too small to provide decent group health insurance coverage for your employees, think again. There's an abundance of different group health insurance plans available, even for the smallest of businesses. Good group health insurance providers can find you a policy offering coverage ranging from just basic hospitalization to full-blown...
HMOs
Determine whether HMO health insurance is the best choice for your business
HMO health insurance is one of a number of options among managed healthcare plans. HMOs, also known as Health Maintenance Organizations, provide a structured healthcare plan that maintains patient treatment and care by establishing guidelines for healthcare providers.HMOs are designed to provide full-spectrum healthcare at low cost. HMO groups contract with specific doctors...
Hawaii Property Insurance
How to find providers of Hawaii property insurance coverage for your property
Property insurance in HI covers a home and its contents. It also provides protection against liability for any injuries or property damage you or any members of your family, including household pets, cause. Property insurance also pays temporary living expenses while living away from home because of a natural disaster.A Hawaii homeowner’s insurance policy covers most types...
Health Insurance Agents and Brokers
Reduce company turnover with products sold by health insurance agents
Medical insurance brokers offer a great selection of health insurance coverage options for businesses. They can help you select the right type of health insurance policy for your company’s size and type. If you are floundering with health insurance options and want help finding the most cost effective option possible for your company, then you need the help of health...
Health Insurance Consultants
Use a health insurance consultant to make informed decisions about medical insurance coverage
Hiring a health insurance consultant can help you make informed decisions about your company’s medical insurance coverage.Healthcare consulting is a relatively new field. It began as a way to give companies advice on health insurance while maintaining no ties to different insurance carriers. A health benefit consultant will analyze your company’s needs and give you...
Health Insurance Organizations
Stay abreast of industry issues, news and trends by joining health insurance organizations
If you own a company in the health insurance industry, you would do well to partner with organizations for health insurance to strengthen your business expertise and credibility. Industry organizations bring together professionals with similar goals and challenges. Members of industry organizations come from across company divisions, but all share the same objective of expanding...
Health Insurance Publications
Get the competitive edge using health insurance publications to your advantage
The health insurance industry has grown by leaps and bounds, so find health insurance publications that keep you informed, current and competitive. In your business, knowledge means everything, and your clients must feel confident you understand all aspects of the health insurance and health care industries. Before new clients sign on with you, they must also believe you possess...
Health Insurance Software
Automate your company's management with software for health insurance
Medical and health insurance professionals are always seeking better ways to serve their patients and clients. Health insurance software is key to this process because it simplifies insurance claims and other business issues, freeing up resources that can then be devoted to improving client relations and developing products and services to better meet these clients' needs....
Homeowner Insurance Leads
Tips for insurance agents on selecting a company from which to buy home insurance leads
Homeowner insurance leads are often hard to come by. Sometimes even when you do get sales leads for homeowners insurance, they do not do their job, which is to lead you to potential clients. As a business professional, you should not have to waste your time trying to get homeowner insurance sales leads. It is usually worth it to instead purchase them from a reputable source....
Homeowners Insurance Basics
Know the ins and outs of homeowners insurance basics to sell the best policies
Being well-versed in homeowners insurance basics is essential to becoming a top-selling insurance agent. Potential clients want the best protection for their investment without breaking their budget. The average home insurance buyer considers four things when purchasing a policy: the price (premium), the amount of protection, the agent's knowledge and friendliness, and...
Homeowners Insurance Education and Training
Find out how to provide homeowners insurance through education and licensing
Educated and licensed agents provide homeowners insurance. In order for these individuals to provide services, they must obtain an insurance provider's license, issued by the state in which they practice. Obtaining education and training in this field is vitally important to passing a licensing exam.Individuals who wish to give homeowners insurance quotes, sell insurance or...
Homeowners Insurance Quotes Basics
Get several homeowners insurance quotes and save money on the coverage you need
Home insurance protects you and your family from losses related to both the destruction of your home and legal liabilities. Protect your greatest asset with proper insurance. With current insurance rates skyrocketing, the temptation may be to reduce coverages or even drop insurance altogether. If you suffered a loss, think about where you would go and how you'd rebuild...
Homeowners Insurance
Finding the best homeowners insurance to keep your home or business secure
Comparing homeowners insurance rates is the first steps in protecting your home, home-based business or the homes of your clients. You'll be ready to select the best homeowners insurance plan for your family, your business and your budget once you have secured homeowner insurance quotes from a few reputable companies. Not only are you...
How to Buy Florida Health Insurance
Florida is one of many states that have seen a dramatic increase in the number of uninsured residents in recent years.
Fewer businesses are offering affordable coverage to their workers in the state and the health insurance rates for coverage have continued to increase annually. For these reasons, you may be finding yourself in need of purchasing Florida health insurance on your own. While that process may seem overwhelming, following these important steps can make the ordeal a lot less...
Identity Theft Insurance
Consider purchasing identity theft insurance for your protection
Take advantage of one of the identity theft insurance web site locations available to avoid being one of the millions of Americans who are victims of identity theft each year. Most people who discover they are a victim have no idea how their information was pirated, but once breached, your information can be used to impersonate you, steal from your bank account, rack up phony...
Indemnity Health Insurance
Decide if indemnity health insurance is a good choice for you
As a business owner, you are responsible for obtaining your own health insurance, and indemnity insurance may be a good match for your needs. In addition, if you provide health insurance for your employees, you may wish to consider indemnity insurance for them as well. As with most insurance plans, with indemnity health insurance you will have a deductible that you have to meet...
Insurance Adjusters
Choose the right tools to successfully market your independent insurance adjusting services
As an insurance claims adjuster, you need the skills to negotiate insurance claim settlements and to thoroughly investigate the circumstances surrounding the claim. Whether you work as a public adjuster or in a group of insurance adjusters, the proper tools can promote your services.In order to manage your insurance adjusting cases and offer the best customer service, a claims...
Insurance Agent Jobs
Use resources to find and fill insurance agent employment positions
From life insurance agent jobs to health insurance agent jobs, the Internet offers an easy way to find the insurance agent employment opportunities that are right for you. Search thousands of potential insurance sales agent jobs in your area or nationwide in the comfort of your home or office 24 hours a day and at your convenience.Search for insurance agency jobs on your own or...
Insurance Agents and Brokers in the US
Find business insurance agents and brokers in the US
Because no American business can do without proper insurance coverage, no business can do without insurance agents and brokers in the US. The best agents or brokers will help you sort through your business needs, pinpointing the best policies for your future plans -- and your wallet. The trick is to find the best agent for your needs. This takes a little research and comparison...
Insurance Agents
Secure insurance agent services to receive the coverage you need for your business
In business, insurance is crucial to protect employees, customers and your assets. Sifting through the long list of insurance agents who can meet your needs and general insurance agent information is what most business people do when first looking for insurance coverage from an agent.Business insurance brokers present you with coverage options and can tailor policies to meet the...
Insurance Calculators
Decipher the insurance riddle with insurance calculators for all your business needs
Insurance is a part of every aspect of life. However, how much insurance do you need and how can you determine some of these costs in advance? Figure insurance the way your agent does by using commercial insurance calculators, mortgage insurance calculators, life insurance calculators and auto insurance calculators.Know in advance what your rate will be and how much insurance you...
Insurance Consultants
Insurance specialists help walk you through the complexities of insurance policies and contracts
Independent, health and life insurance consultants are available to help individuals and businesses get through the maze of policies and choices. As much as people may want to avoid the whole process and issue, it is not wise to do so. Insurance is a necessary institution.Insurance consultants will help a business think through the loopholes and possible eventualities that could...
Insurance Consulting for Inspection and Investigation
Insurance inspection companies implement smart solutions for businesses facing risk management and insurance challenges
With vast resources, insurance inspection consultants offer experience, knowledge and skills to provide effective risk management and insurance solutions for your business. Insurance inspection consulting firms assess and design programs to meet each client's specific risk management and insurance goals. An insurance investigator audits risk management programs and insurance...
Insurance Industry Events
Stay informed of industry news and events by attending an insurance industry convention
Insurance industry events take place across the country to help insurance professionals network and stay abreast of industry changes and innovations. Sending staff to gain greater insight into their jobs at insurance industry meetings is a key part of continued career growth and promotes innovative thinking within a corporation. Local and regional conferences are available, but...
Insurance Industry Regulations
Protect your business by staying abreast of changing insurance industry regulations
As a result of anti-terrorism laws that passed post-9/11, businesses operating in the insurance industry must not only adhere to standard business owner requirements, but also strict insurance industry regulations. Taking the time to research applicable federal insurance regulations helps prevent hefty noncompliance penalties and protects your business. Knowing which regulations...
Insurance Industry Salary Tools
Coming up with salary guidelines for insurance agents and others
As you might expect with one of the largest industries in the nation, insurance industry salaries and wages are a big part of the US eceonomy, averaging just over $3 billion in 2006. That's a lot of cash flowing around. As a firm professional or human resources manager, it's up to you to determine appropriate insurance agent salary and come up with related policies...
Insurance Information Resources
Take advantage of insurance information resources for your business
Insurance resources are imperative to your business. From property and fire to the health and life insurance needs of your workers, staying informed as to the latest business insurance information will help keep your business with healthy, happy employees and protected tangible items. Insurance information can include a wide variety of things including insurance industry...
Insurance Jobs
Use local and national resources to find and fill insurance industry careers
From life insurance agent jobs to insurance adjuster opportunities, the Internet offers an easy way to find the insurance jobs that are right for you. Search through thousands of potential careers in insurance from the comfort of your home, 24 hours a day and at your convenience.Whether you seek insurance employment opportunities that focus on health insurance, auto insurance or...
Insurance Publications
Find the best insurance publications
The insurance industry is a competitive business that requires its players to possess a true edge to be successful. One of the easiest and most accessible ways to get that edge is by regularly reading insurance publications. From insurance journals to books about insurance, these periodicals are mandatory reading for the industry's elite.You can use publications on...
Insurance Quotes Basics
Shop smart by familiarizing yourself with the basics behind insurance quotes
Becoming familiar with insurance quotes basics will help you choose the best coverage options for your business. Obtaining business insurance quotes is the most effective way to determine business insurance costs.Businesses can purchase insurance to cover nearly any risk. There is a range of business insurance policies available to cover everything from company operations to...
Insurance Quoting Services
A thorough guide for getting the most out of insurance quoting services
Not many business owners would consider operating without insurance, thus the importance of finding the right insurance rate service to cater to your businesses needs should not be overlooked. Everything from company auto insurance, group health insurance and property insurance should be considered, depending upon the size and scope of your business. However, it concerns business...
Insurance and Risk Management
Protect your business with insurance and risk management
Insurance and risk management go hand in hand. While risk management examines possible risks in your business venture, along with ways to manage it, insurance is one of the most common ways to reduce this risk. Risk management firms provide contingency analysis on protecting businesses from possible loss of property, employees and other assets. They will also tell you what...
Insurance for the Fine Arts
Protect your business with insurance for the fine arts
If you are an artist, an art dealer or part of an institution with an art collection, you should have insurance for the fine arts. In almost every case, whatever other insurance you have will not even begin to cover a valuable collection of art. Whether your collection is large or small, losing fine art can create a large dent in your assets.Working hand in hand with an ...
Insurance for the Self-Employed
How to protect your sole-proprietor business with basic insurance
You've living your dream: Self-employed and making a living. Whether you're a freelance artist or engineer, you need to protect your business by buying some basic insurance, including health, disability, liability and errors and omissions coverage. Three things you need to know about insurance for the self-employed: About 60 percent of the 45 million uninsured Americans...
Insuring Your Business Vehicles
Even if your fleet is just your car, you'll need a commercial policy
International Auto Insurance
How to get the best auto insurance international coverage
In a global market, it’s not uncommon for business people to travel and work abroad. International stays for business can range from a few days to a few years (or more) depending on your project, task and position in a company. Longer stints sometimes require setting up extensive living arrangements, and along with that, purchasing new insurance. Even shorter visits may...
International Health Insurance Providers
Choose an international health insurance provider that suits your business needs
The importance of international health insurance is increasingly evident for today's growing business. Conducting business overseas and obtaining global partners is common for economic growth. With this increased international business comes a higher chance of illness, accident or injury on foreign land. Your employees must be financially prepared if it happens.Nearly half of...
Internet Business Insurance
Find Internet business insurance to secure your business investment
Widened business horizons have opened up the need for more expanded insurance, including the need for Internet business insurance. You have to protect against hackers and viruses, you should protect your online security and you should also look to cover general liabilities of your business endeavor.Some additional risks that might lead you to find Internet business insurance...
Key Man Insurance Essentials
For any small business, insuring the top people can be crucial
Insurance, particularly life insurance, is a morbid subject for many, but nothing could be more catastrophic to your small business than the untimely death of a key employee. If life insurance seems like an obvious protection against lost income for your family, consider how your business might fare without you, a top manager or that salesperson who is bringing in most of the...
Knowing When you Need Commercial Auto Insurance
Figure out the difference between Commercial Auto Insurance and Personal Auto Insurance with this handy guide.
Understanding why you need auto insurance on your personal vehicle is easy. You want to protect your loved ones and your property and also it is required by law in most states. Knowing when you need commercial insurance is a completely different matter. There are certain types of vehicle usage that are not covered under a personal auto policy. If you own a...
Laws and Regulations for Truck Cargo Insurance
Research, review and understand laws and regulations for truck cargo insurance
When working with truck cargo insurance companies and trucking insurance underwriters, you may not always feel in the loop about contract specifications or about laws and regulations that apply to you and your business. Although many trucking insurance companies will review and highlight the details of your contract with you, it will be beneficial to you and your bottom line to...
Liability Insurance Brokers
Finding the right liability insurance brokers will help you protect your assets
Commercial liability brokers can help you protect your business assets by ensuring that you are properly covered in the event a personal injury lawsuit or property damage claim. Be sure to choose liability insurance brokers who are well-established and experienced. There are several types of liability insurance available to protect a small business including general liability,...
Liability Insurance Consultants
Liability insurance consultants find plenty of work in uneasy times
Liability insurance consulting is a necessary safeguard if you own a big company. You will want to make sure you, your chief executives and employees are covered. Give your business the coverage and cushion it needs in case of an emergency.Liability insurance consulting firms are in a good business, because businesses want to be covered. There are so many details and specifics...
Liability Insurance Key Terms
Know the language of insurance to keep choosing coverage from becoming a liability
Accidents happen. That's why it's important to prepare for the worst. All business owners should protect their livelihood by selecting the right liability insurance coverage appropriate for their business. Insurance representatives can evaluate your needs, but it's your responsibility to have all your bases covered. Choosing the right liability insurance can be complex...
Life Insurance Agents Education and Training
How to start your career as a life insurance agent
Becoming a life insurance agent requires more than knowing the difference between term life insurance and whole life insurance. Before you can start to work at a life insurance agency, you'll need life insurance agents education and training. Whether you'll be working for life insurance brokerage companies or independent life insurance brokers, proper education and...
Life Insurance Agents Key Terms
Understand the terms used for life insurance agents to learn about their role
The role of life insurance agent is to assist you with your life insurance planning, but there are many different kinds of life insurance agents and they can work in different ways. It is important to learn about common terms used to describe life insurance agents and their role in helping you with your insurance needs. Life insurance agents can work with whole or term life...
Life Insurance Agents
Find life insurance providers who specialize in business life insurance products
Protecting your company's assets requires seeking the services of life insurance agents and brokers. Knowing the type of insurance your business needs determines which insurance agency to select. Businesses carry the standard policies such as liability, property and business interruption insurance. However, insuring key players is essential. Your corporate executives are...
Life Insurance Key Terms
Understand the specifics of your policy through learning life insurance key concepts and terminology
Life insurance is important for many individuals, but how many truly understand the specifics of their policies, let alone the industry at large? By becoming well-versed on life insurance key terms, individuals are more accurately able to understand the industry, as well as what companies and policies are able to offer consumers. In addition, those who are interested in a career...
Life Insurance News and Trends
Stay on top of life insurance news and trends
Life insurance companies face a changing field as technology and the economy change and fluctuate. Stay on top of the trends in life insurance information so that your operations can be prepared to handle new business as efficiently as possible and serve current customers armed with the most recent news. Life insurance quotes and small business life insurance are important tools...
Life Insurance Rates and Quotes Basics
Use life insurance quotes to get pricing estimates and more
Life insurance quotes are available online by many of the country's top insurance providers and from third-party companies. As a business owner, learn about life insurance rates and quotes basics prior to investing in this benefit to employees. Life insurance protects an employee's family should the employee die while the coverage is in place. Online life insurance quotes...
Life Insurance Rates and Quotes Key Terms
Understand these important life insurance rates and quotes key termsto make better insurance decisions
Life insurance rates and quotes are important to understand as you research life insurance for yourself or for a loved one. As life insurance rates vary due to different factors, having a general knowledge of rates and quotes is essential to ensure you receive the best rates for your needs.Whether you need term life insurance or whole life insurance, prefer an adjustable premium...
Life Insurance Rates and Quotes
Find life insurance rates online to discover the best coverage for your needs.
Life insurance is vital to protect the assets of a business. If a business owner dies unexpectedly, life insurance benefits can sustain the company. Often needed for a business to secure a loan, life insurance offers tax advantages that are important factors in estate planning.It's important to find the best life insurance rates for your business to save money and receive the...
Life Insurance for Small Business Owners
Tips to protect your small business and finances if you die or become disabled
Small business owners need to protect their businesses and assets in the event of death or disability with business life insurance. Many small business owners are sole proprietors, which leaves their families vulnerable to business debts. Be realistic when choosing life insurance companies and benefit amounts; make sure the debt for your business is covered with business life...
Life Settlements
Learn all about life settlements before making this major life decision
Life settlement solutions are easy to find, but information on life settlements is not so easy to come by. Life insurance purchasers don't often mention life settlements, but sometimes this financial option can be a big help. A senior life settlement is the most common type of life insurance settlement.Life insurance settlements are probably more common than most people...
Liquor Liability Insurance
Protect your company assets by taking out a liquor liability insurance policy
If your business manufactures, sells or serves any type of liquor, then you may have to secure liquor liability insurance. This type of insurance will protect your company from liability if one of your patrons causes physical or property damage while intoxicated.Although cost of liquor liability insurance seems high, the benefits typically outweigh the price. Liquor insurance can...
Long Term Care Health Insurance
Protect yourself, your business and your employees with long term care health insurance
Long term care health care insurance is a great way to protect you and your business from the rising costs of long term care. No one wants to think about the need for long term care health insurance, but since more people live longer with chronic health conditions, it’s becoming a necessity.Long term care health insurance can deplete family assets over time. This is...
Louisiana Real Estate Agents
Louisiana real estate agents can assist in buying and selling commercial or residential property
Whether you'll be buying or selling property, it's important to find Louisiana realtors who can help with your specific real estate needs. Some real estate agents in Louisiana specialize in different types of real estate, such as commercial, farm, residential, land or new construction.Consider the following when choosing a real estate agent in Louisiana:A realtor in...
Lowering Your Workers' Comp Costs
Safety training and good record keeping help keep premiums down
Workers' compensation is a large expense for small businesses. Compensation for injured employees includes medical bills, payments for lost time and damages for any permanent injuries. Every state requires that employers provide compensation for any and all work-related injuries. A lower accident rate means fewer workers' comp claims and lower costs. It starts with these...
Making the Most of Business Liability Insurance
Get the liability insurance coverage you need to keep your business protected
Businesses can protect themselves from lawsuits with proper business liability insurance. From products on the shelves to employee mishaps, insurance remains an important necessity on the business scene. The type of business you have dictates your vulnerabilities and insurance needs. For example, insurance for product deficiencies isn't a concern if you're a...
Making the Most of Commercial Vehicle Insurance
Know what coverage you need from commercial vehicle insurance providers before you shop around
Making the most of commercial vehicle insurance requires covering yourself and your business properly. You work too hard to have a lawsuit ruin your business. For many, your business travel can take you through other states. Keeping yourself on the right side of the law can be tricky with the different state insurance laws.In addition to keeping you legal, providers of...
Making the Most of Dental Insurance Rates and Quotes
Get into the details on dental plan coverage
Dental insurance coverage can be a luxury perk for employees, especially with many companies cutting back on their group health care offerings. But dental health is just as important as major medical care, as poor dental hygiene can be a factor in health problems such as heart disease. To keep a healthy workforce, research options to offer dental plan coverage to your employees...
Making the Most of General Liability Insurance
Helpful basics for using general liability insurance to your advantage in business
Every business needs some form of general liability insurance to protect it from financial harm -- many rely on these kinds of policies in addition to worker's compensation and other coverage for accidents and other circumstances. From ongoing basic liability insurance to protect property, to special insurance needs for volatility in production, special events, or expanded...
Making the Most of Homeowners Insurance Quotes
Compare homeowners insurance rates and quotes to get the coverage you need
If you have a mortgage, the mortgage company requires that you have current homeowners insurance. But even if you don't have a mortgage, consider what you would do if a fire destroyed your home. Or what if a neighbor was injured on your property? These situations and more can be covered by your home insurance policy.Unfortunately, most Americans aren't covered properly...
Making the Most of Insurance Quotes
Making the most of insurance quotes will help you accurately plan for insurance costs
Making the most of insurance quotes is the most effective way to determine business insurance costs. Insurance quotes are dependent upon a variety of factors, primarily the type of insurance you need. The great thing is that most insurance providers will offer quotes on business insurance rates free of charge.There is a range of business insurance policies available to insure...
Making the Most of Life Insurance Rates and Quotes
Getting more from life insurance rates and quotes for business owners
Life insurance quotes for business owners are available through many online services. Those businesses offering these services to employees will want to spend extra time researching all their options. Quotes can be used to compare data without any obligation to get the service. It can be easier than working with a sales agent.By making the most of life insurance rates and quotes,...
Making the Most of Online Colleges
Improve your employees' skills by making the most of online colleges
Many businesses enjoy benefits from making the most of online colleges for their employees. Companies often desire a specific amount of education or a degree from their employees. Many companies even pay the tuition for employees to gain a certain degree or for employees to further their education.Online colleges have made this process easier and more convenient for both business...
Making the Most of Truck Insurance
Making the most of truck insurance can save you in the long run
Commercial truck insurance can be expensive, and most sites won't tell you their prices directly online. What you can do is take advantage of free quotes provided by commercial trucking insurance companies, and make your own comparison of prices and services before making a decision about a commercial truck insurance provider. You can also try making the most of truck...
Making the Most of Workers' Compensation
Making the most of workers' compensation means protecting your business and your employees
Workers comp was established many years ago as a benefit-type system that safeguards any worker hurt or injured while on the job. The Department of Labor and Industrial Relations and the Division of Workers Compensation administers the day-to-day operation of the system.Prior to the establishment of workers compensation insurance, employees who got hurt of injured on the job could...
Maritime Insurance
Maritime insurance providers help you keep your head above water
Maritime insurance and ocean freight insurance are critical necessities for any business that has cargo or employees on the sea. Covering your assets as well as your people is imperative in case the unexpected becomes your reality.Maritime insurance providers cover a wide variety of things from cargo, to your water craft, to the people on it. So make sure that you have adequate...
Medical Liability Insurance Basics
Understanding Medical Liability Insurance
Medical liability insurance is professional and personal financial protection for any health care professional at risk of being pursued with personal damage claims due to perceived patient negligence or error. Medical liability insurance covers settlements and financial awards to the plaintiff, which ensures your ability to maintain a practice and keep personal assets protected....
Medical Liability Insurance Key Terms
Know the language when searching for medical professional liability insurance
When searching for liability insurance, educate yourself on medical liability insurance key terms so that you understand your coverage and insurance company provider responsibilities. Every profession utilizes language or terminology specific to their practice, and the medical insurance world is no exception.Knowing and understanding insurance language helps you find doctor...
Medical Liability Insurance for Nurses
Medical malpractice insurance protects you from lawsuits, even if your employer covers you
Many nurses assume that they are insured against medical malpractice suits by their employer's medical professional liability insurance. However, what most nurses don't know is that the medical malpractice insurance their employer provides may only cover them during their regular shifts within the workplace.You may be leaving yourself wide open for a malpractice lawsuit if...
Medical Liability Insurance
Medical malpractice insurance is crucial for your professional peace of mind
Introduction Medical liability insurance is also known as professional liability, medical malpractice and errors and omissions insurance. Medical liability insurance defends you against claims that arise out of your treatment of patients and pays any judgments ordered by the courts up to the limit stated in your policy, except for criminal or intentional acts. Medical liability is...
Medicare
The best methods for generating Medicare insurance leads
A Medicare insurance business has a variety of options available when it comes to generating quality leads. With more and more baby boomers reaching retirement age, there is no shortage of people seeking Medicare insurance plans. Now obviously not everyone over the age of 65 will be eligible for Medicare, so it helps to have a way to reach eligible Medicare candidates.Regardless...
Meeting Workers' Comp Requirements
Shop for the best price then get an audit to save costs
Workers' compensation insurance covers employees who are injured or become sick during work activities. Most states require businesses to have coverage. Because each state has different policies and procedures, it's important to investigate requirements in every state in which your employees live, work, or travel. Some states require you to buy coverage through...
Mobile Home Insurance
Find mobile home insurance for you or your rental properties
Purchasing mobile home insurance should be a no-brainer, but deciding who to find coverage from can be a challenge. There are a wide variety of mobile home insurance provider companies available to choose from, and finding the right one with a perfect combination of coverage and cost is the goal.Make sure that you find mobile home insurance to protect you and your family, and your...
Mortgage Insurance Education and Training
Educate your employees and buyers with good mortgage insurance training
While most brokers, Realtors or loan officers you hire should have adequately trained when it comes to mortgage insurance, it never hurts to offer a refresher on the subject. Tailor your training to your employees' knowledge level and amount of training they've already had.It's also important that potential buyers understand how home mortgage insurance works. Help your...
Mortgage Insurance News and Trends
Follow mortgage insurance news and trends
Private mortgage insurance falls under strict regulations that can change with the political climate and consumer economic considerations. Changes in legal requirements often affect mortgage protection insurance and are important areas to follow for you and your clients. Mortgage insurance quotes vary for commercial and home mortgage insurance and you need to stay on top of the...
Mortgage Insurance
What kind, which one and how much mortgage insurance you need for your property's protection
When it comes to mortgage insurance, the choices and requirements from lender to lender are complex and widely varied. Understanding the basics of mortgage insurance and what each different type of policy provides can help make choosing the right mortgage protection insurance product easier for yourself or your business.Private mortgage insurance is designed protect your lender in...
National Automotive Insurance
Finding the right national car insurance for you and your business
National car insurance companies are positioned within a very competitive market, and as a result their marketing campaigns can be a bit overwhelming. However, because each state has different auto insurance requirements and regulations it is important that your business select a company that is capable of keeping up with these standards. Obtaining coverage with a national...
Offering Dental Benefits at a Small Business
Yes, a small business can offer dental benefits without breaking the bank
Affordable dental plans can seem out of reach for small businesses, which often don't have the numbers of eligible employees needed to qualify for group discounts. Yet dental benefits are consistently cited as one of the most sought after employee benefits. If you look hard enough, you'll find reasonable options. Small businesses have three basic options when it comes to...
Online Health Insurance Quotes
How To Get a Quick Health Insurance Quote
Politics, a tough economy and the rising cost of health insurance have forced consumers to seek affordable individual health insurance. Where do most people start in their quest for adequate coverage at a fair price? The internet of course! We'll help guide you through the process by telling you what to expect from the many different resources on the...
PPOs
Compare PPOs and decide if a PPO health insurance plan provides the care you need
A Preferred Provider Organization (PPO) health plan offers benefit rates that are dependent on the provider the member chooses. If you compare PPOs with Health Maintenance Organizations (HMOs), you'll see that a member receives higher benefit rates with the preferred provider option as long as the provider is within the PPO network. Usually, the member pays a co-pay at the...
Personal Web Tools
Personal web applications can also double valuable business tools
Though many Internet-based personal web tools are designed for individuals, they're also ideal for business purposes, and can easily be adapted for your company's needs. With calendar software, for example, employees can view each other's schedules, making it easier to set times for meetings or other group events. And with an online calendar address book, your...
Pricing and Costs of Business Liability Insurance
Stretch your dollars and get the most out of your general liability insurance
Pricing and costs of business liability insurance vary by area of the country, by industry and even by how long you've been in business. Because the needs of each business vary greatly, so do the amount of insurance your business should have and how much it will cost. But no matter the industry, there are things you can do to maximize your insurance dollars.Insurance...
Pricing and Costs of Dental Health Insurance
Several factors can impact the pricing and costs of dental health insurance
Providing dental health insurance for your employees may seem like a daunting and expensive task. However, business dental insurance plans cost approximately 10 percent of the cost of a small business health insurance plan. Offering dental coverage for your employees could improve your organization's retention rates and improve your ability to attract exceptional employees.The...
Product Liability Insurance Education and Training
Online options for learning about product liability insurance
Lots of businesses need product liability insurance to keep them afloat. It's just a fact that we live in a litigating society, and with that in mind, any products that come out of a business have the potential to lead to issues of product liability. So what do businesses do? Comprehensive business product liability insurance plans often work to "hedge" against these...
Product Liability Insurance Key Terms
Learn the terms of product liability insurance to find the best policy for your business
Unfortunately, lawsuits have become a normal part of doing business. Whether your company designs, manufactures or distributes a product, you probably need product liability insurance. Not only will a liability policy protect you against lawsuit judgments and settlements, it will also cover legal fees that result from litigation. Product liability laws vary by state, so your...
Product Liability Insurance Laws and Regulations
Protect your business by learning about product liability insurance laws and regulations
Businesses that manufacture or sell any type of products should always ensure that they comply with product liability insurance laws and regulations. Under product liability laws, manufacturing firm owners are held responsible for ensuring that their products are safe and don’t pose risks to the general public. Products liability insurance covers the company’s...
Product Liability Insurance
Protect your company with business product liability insurance
If you’re a small business that manufactures or sells any type of product, then you should consider taking out product liability insurance. With product insurance, you’re assuring protection in the case of injury as a result of a person using your product.Before you find a product liability insurance carrier, you’re going to want to consider a few things....
Professional Liability Insurance
How to keep lawsuits and malpractice claims from ruining your business
If you're a professional, such as a lawyer, accountant or architect, you're vulnerable to lawsuits. Defending yourself and your business in a lawsuit – even one that's a frivolous claim – can drain your finances, sap your time and possibly ruin your business. To protect yourself and your company, professional liability coverage is extremely important....
Properly Insuring Your Business
Protect your business assets and income by identifying the right risks
Insurance policies come in different varieties with a tangle of wording, definitions and exclusions. You need to understand what you want to protect and be certain that you get the right amount of security from your insurer. Obtaining insurance for your business can be summarized in three basic steps: Understand the different kinds of coverage and determine what kind of...
Property Insurance Agents
Choose the right property insurance agent to protect your home or business
Property insurance is an important decision that could affect the financial stability of your personal and/or business finances should you experience some type of crisis or setback. Part of making sure you have the right coverage is finding a property insurance agent or broker that will work with you and provide you with what you need from a policy. Property insurance agencies and...
Property Insurance Basics
Guard your business assets with property insurance
Property insurance protects your business from losses to its property. You can get protection for risks such as theft, fire, flooding, and some weather-related incidents. Commercial property insurance generally protects your company against two categories of risk: named risks and open risks. To recover losses from named risks, your business property insurance policy must list the...
Property Insurance News and Trends
Be in the know about property insurance trends
Property insurance companies, in fact the entire insurance industry, is quite newsworthy. Most companies are financial giants, the sector is highly regulated and property insurance is always part of the story when natural disasters arise. For those reasons and many more, your business can find many sources of information on property insurance news and trends.Just as not all...
Property Insurance for Small Business Owners
Commercial property insurance is a must to protect small business owners from losses or claims
All small businesses need commercial property insurance. Commercial property insurance or commercial real estate insurance not only covers actual storefronts or real property, it also covers business property inside your store or office. Commercial real estate insurance covers the actual real estate and building. Business equipment, office equipment, computers, office furniture...
Property and Casualty Insurance Publications
Get the competitive edge using property and casualty insurance publications to your advantage
The insurance industry has grown by leaps and bounds, so find property and casualty insurance publications that keep you informed, current and competitive. In your business, knowledge means everything, and your clients must feel confident you understand all aspects of the insurance industry. Before new clients sign on with you, they must also believe you'll tailor the best...
Reducing Health Insurance Costs
Choose alternatives to cut health-care costs and satisfy employees
The maze of insurance options for small businesses is as complicated as today's medical problems. If you're careful when you create a more economical insurance plan, you'll not only control costs, you'll also boost employee recruitment and retention. Here are a few steps you can take to slash health insurance costs: Determine if managed care will help you manage...
Reinsurance Jobs
Find jobs in reinsurance throughout the world
Those with careers in reinsurance provide insurance to insurance agencies. This helps insurance agencies to issue larger policies to their clients. Reinsurance employment is available in many areas.While it may be true that there is significant downsizing in the industry, reinsurance jobs often become available as older workers retire, change industries or otherwise stop working....
Same Day Delivery
Send and receive goods quickly with same day delivery services
Use same day delivery services to receive products, or deliver packages and documents to your customers fast. In today’s fast-paced business environment, efficient and quick delivery is a service valued by both business owners and their customers.The courier industry has been around since the 1800s and today has grown to include thousands of same day delivery providers. Same...
Small Business Health Insurance
Offer benefits that fit in your budget and that attract and retain employees
Any way you slice it, health insurance coverage is expensive. Major corporations can negotiate better rates because of the large numbers of employees, but small businesses with two to 50 employees don't have the clout to negotiate big volume discounts. With costs skyrocketing, many small business owners are finding it more and more difficult to offer health insurance to...
Small Business Insurance News and Trends
Follow small business insurance news and trends to get the best coverage
Insurance for small businesses is available in so many different packages that you have to keep up with the industry to ensure that you are getting the best coverage for your business. Watch for new plans that offer updated risk products and the best protection for your assets.Follow the trends that are affecting small business insurance quotes in a variety of ways to make sure...
Small Business Life Insurance
Protect your business and your family with small business life insurance
If you own a small business, you need small business life insurance. Although you work hard to grow your business and make it profitable for you and your family, debts, taxes and similar items could greatly reduce the amount of money your family inherits. While you might not automatically think you need life insurance, small business owners benefit from such policies because...
Special Events Insurance Key Terms
Some key terms for understanding special event insurance
For any kind of meeting or public event that a business is planning, looking into special event insurance is a good idea. Though it may seem like a detail, most business leaders consider this to be an integral safeguard to hosting any kind of function for risk management. Knowing about some of the basic key terms for types of special event insurance coverage will help first time...
Special Events Insurance Pricing and Costs
Protect your event with cost effective special events insurance coverage
Special events insurance is policies taken out to protect the insured against liability for fairs, festivals, shows, weddings, performances and large meetings. Event liability insurance protects your business against lawsuits in the case of medical injuries, fire and other occurrences that take place during the special event.Special events insurance pricing and costs will involve...
Special Events Insurance for Beginners
Finding tips for beginners for special event insurance online
Who needs special events insurance? Well, lots of businesses do, for starters: it's not just large corporations on convention or hospitalities-related enterprises that need to occasionally contract for this kind of coverage. Any kind of business that wants to get people together for a day, a week, or every day for the next year will need to get the appropriate coverage.If...
Special Events Insurance
Protect your assets with a special event insurance policy
Specialty Insurance
Where to go for your specialty business insurance needs
What is specialty insurance? All businesses will have general business insurance that covers your business premise in the event of fire, vandalism and theft. Basic car insurance covers your business vehicles for accidents caused by your employee or the other driver. So when do these normal business needs become specialty insurance?Specialty insurance providers offer insurance for...
Surety Insurance
Protect your business contracts with surety insurance
In the most common type of surety insurance, a surety insurance company guarantees that a contract gets completed. As the underwriter, a surety insurance company examines the contractor's credit history, financial assets, equipment, experience, work history and management skills, then determines whether the contractor is a good risk for a particular bond. If a contractor...
Temporary Health Insurance for Students
What you should know about temporary student health plans
High school graduation is near and your child is already thinking ahead to the fall when she will be attending college. The college experience will be exciting, but in addition to coming up with dorm decorating ideas, you both need to add the task of researching college student health insurance to your list of things to do.If your health insurance does not cover your child while...
Term Life Insurance
Buy affordable term life insurance and protect your future
Term life insurance is designed for people who can't afford whole life insurance or don't need such complete, savings-generating coverage. Life insurance of any kind, though, is a necessary evil. Though thinking about death can be intimidating or even a little depressing, it is important to protect those around you. Term life insurance offers an affordable, short-term...
Texas Auto Insurance
Strategies to help you cut costs on auto insurance in Texas
Car insurance in Texas, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Texas auto insurance isn't just something that drivers in the "Lone Star State" should have; it's something they must have.Texas auto insurance...
The Basics of Errors & Omissions Insurance
Malpractice insurance is not part of your general liability policy; purchase it separately for complete business protection
IntroductionAs a professional, you’re expected to have superior training and knowledge in your area of expertise. State licensing agencies and your professional association hold you to a high standard. Errors and omissions insurance, which is also known as professional liability or malpractice insurance, covers you for claims that arise out of your professional services,...
Title Insurance
Invest in title insurance for great peace of mind
Title insurance is a vital part of the real estate process. It can help protect you from a number of risks including the following: impersonation of the true property owner, forged deeds or other pertinent documentation, execution under invalid or expired power of attorney, misinterpretations of wills, deeds by persons of unsound mind, undisclosed or missing heirs; mistakes in...
Tracking Obscure News About Your Company
Using Searches and RSS Feeds to Track Highly Specific Subjects
Did you ever want to find out what was being written about your company on the internet? How about what was being written about your competitor? Using news searches, blog searches and RSS technology lets you find out when someone writes something about a subject you are interested in within just a few minutes of that article being published online. What you must know about using...
Training for Life Insurance
Advance your career with training for life insurance
Life insurance companies provide many good jobs for those who can get the right kind of life insurance information and training. While entry-level jobs are relatively easy to get, the better paying jobs at life insurance companies in sales and management require certifications, licenses and advanced training for life insurance.Look for business life insurance training online...
Training for Workers' Compensation Insurance Benefit Administration
Help your human resources department understand the intricacies of workers compensation insurance administration
The workers comp insurance program is a set of state and federal laws which provides benefits for workers injured on the job. The goal of this system is to help the injured employee pay for medical care and to reimburse lost wages that may occur when it is not feasible to work because of the injury sustained. In order to assure that your organization is administering workman's...
Truck Cargo Insurance Key Terms
Get your career on the road with truck cargo insurance key terms
Trucking cargo insurance is important to cover the liability of the goods that you carry. If you're new to the trucking industry, you may be confused by all the terms regarding trucking cargo insurance. Your insurance salesman may try to sell you a bobtail insurance plan or warehouseman's legal liability insurance. But do you need those? Look for companies that offer a...
Truck Cargo Insurance
Protect your business and cargo with commercial truck cargo insurance
In the trucking industry, protecting your cargo from damage or theft is your top priority, so commercial truck insurance is crucial to your line of business. Getting the right coverage is essential, and it may change depending on the nature of your business and the freight you haul. Finding a good trucking insurance company that will work with you and help you through these...
Truck Insurance Basics
Get up to speed on commercial truck insurance basics
There are many types of commercial truck insurance. Primary liability commercial truck insurance offers protection from damage or injuries to other people. Motor truck cargo trucking insurance is another type of coverage that offers protection for you the transporter to cover your responsibility in the event of damaged or lost freight. Trucking physical damage truck insurance...
Truck Insurance Key Terms
Know these truck insurance key terms to determine your unique truck insurance needs
Truck insurance is essential for owners, operators, and fleets of trucks. From cargo insurance and fleet insurance to semi and bobtail insurance, you can find the truck insurance coverage you need while staying within your budget.A reputable truck insurance agency can offer a truck insurance quote that considers your unique coverage needs and driving habits. As you research truck...
US Life Insurance
Electing ideal U.S. life insurance policies for your company needs
Choosing an ideal national life insurance policy for your company, whether large or small, can be a tedious undertaking. If a catastrophic event should strike a professional associate, it is not only wise but compassionate to make sure that their immediate loved ones are taken care of through their emotionally devastating time.Finding the right policy will not only save you money,...
Unemployment Insurance Taxes
Following federal and state rules will keep your business in compliance
Add this tax to your list of unexpected business costs. But though most small firms with employees must pay both state and federal unemployment insurance tax, there are simple ways to reduce your burden. To master the details of unemployment insurance, you'll need a three-part strategy: Determine whether these taxes apply to your business. Complete pertinent state and...
Using General Liability Insurance
Some options for using general liability insurance in various business scenarios
General liability insurance is something every business can use, but not every business has this basic security in place. If you are a small business operator who doesn't have general liability insurance added into the equation for protecting your bottom line from unexpected damages, don't panic: online suppliers can help you get coverage right away over the...
Using Workers' Compensation Insurance
Using workers' compensation insurance will help if you're hurt on the job
Using workers' compensation insurance, sometimes referred to as "workers comp," is necessary if you're in independent contractor or if you have employees. These laws provide benefits for you or an employee who sustains an injury at work. These laws assure that if you’ll receive appropriate medical care, reimbursement for lost wages, and, if necessary,...
Virginia Life Insurance Key Terms
Learn about a few terms associated with Virginia life insurance policies
Virginia life insurance offers financial protection to the families of policy holders in the event of death. There are many different types of life insurance products. Make sure you get one that will meet your financial needs if a family member dies prematurely.Take the time to understand some of the various terms associated with Virginia life insurance. This way you'll be...
Vision Insurance
Vision insurance for individuals can keep the self-employed seeing clearly
Many self-employed business owners forgo individual eye insurance, seeing it as an extra expense. However, individual vision insurance plans are becoming more affordable and many are geared toward self-employed workers. Obtain the eye care coverage that you need and keep your eyes, as well as your family’s, healthy for years to come. Why consider vision insurance plans?...
Workers Compensation Insurance Key Terms
Learn the ABCs of workers compensation insurance
Workers Compensation Software
Manage current claims and prevent new ones more effectively with worker compensation software
The successful management of workers' compensation claims requires equal attention to medical, administrative and clerical tasks. The more time your staff spends on paperwork, the less time they have for ensuring patient care or working to prevent future workers' compensation claims. Workers' compensation software automates many of these tasks, enhancing both quality...
Workers Compensation in US States Education and Training
Have HR staff complete a workers compensation in US states education and training program
Find timely information about workers compensation in the United States that you can use to design a training workshop for your HR staff. Once you show HR professionals how to find the statutory bases of workers comp in the United States, they can move on to analyzing articles discussing these laws that are usually found on the websites of a state's leading workers...
Workers Compensation in US States Laws and Regulations
Get information about workers compensation in U.S. states to ensure business compliance
While the implementation and outcomes of workers compensation in U.S. states can vary from state to state, there are some general commonalities that are important for you to know, regardless of which state you live in. State workers compensation provides medical benefits to employees who are injured or disabled on the job. It is an insurance that is paid for by the employer and it...
Workers Compensation in US States
Know the facts about state workers' compensation to protect your business
US state workers' compensation is a requirement for most employers to carry regardless of the state you live in. Information about your responsibilities as a business owner to carry workers' comp in US states varies depending on location. Workers' compensation protects your employees in cases where on-the-job injuries and accidents impact their ability to work. Knowing...
Workers' Compensation Basics
The workers compensation "bargain agreement"
Workers compensation is a type of insurance that pays a portion of the worker's salary and medical care when an injury occurs while working. This compensation is given in exchange for relinquishing the worker's right to sue their employer for negligence. This trade off is known as "the compensation bargain."Employers are prohibited from doing any type of...
Workers' Compensation Key Terms
Know how to deal with an employee's injury by understanding workers' compensation key terms
If you own a business, particularly in manufacturing or shipping, you may one day have to deal with workers' compensation. You might find it a good idea to familiarize yourself with key terms used in many workers' compensation cases. While laws and regulations regarding workers' compensation differ from state to state, many workers' compensation key terms are used...
Workers' Compensation in US States Key Terms
Protect your organization with knowledge of workers' compensation terminology
Workers' compensation exists to provide financial and medical assistance to employees that receive an injury on the job. Types of employment compensation may include the employee continuing to receive wages, reimbursement of medical bills, payment for economic loss due to injury and payment to the employee’s family should the injury result in death.State workers'...
